Better living through better policy.

Tag: Credit

Report: No Loan for You, Too!

Post author By Southwest Public Policy Institute
Post date June 15, 2023
15 Comments on Report: No Loan for You, Too!

Patrick M. Brenner stands outside Del Norte Credit Union during our "No Loan For You, Too!" experiment.

The unintended consequences of price controls on consumer access to credit.

Tags American Southwest Credit Union, Bank of America, Center for Responsible Lending (CRL), Credit, Del Norte Credit Union, Everyone’s Federal Credit Union, FirstLight Federal Credit Union, Four Corners Credit Union, Internationalites Federal Credit Union, Lending, Mountain America Credit Union, National Community Reinvestment Coalition (NCRC), National Consumer Law Center (NCLC), National Credit Union Administration (NCUA), Navy Federal Credit Union, No Loan For You!, Nusenda Credit Union, Otero Federal Credit Union, Payday Alternative Loan, Pentagon Federal Credit Union, Specialized Emergency Loans, The Pew Charitable Trusts, U-1st Community Federal Credit Union, U.S. Bank, U.S. Eagle Federal Credit Union, Veridian Credit Union, Wells Fargo

Arizona California Colorado Domestic Policy Economy Government Regulation Nevada New Mexico Oklahoma Texas Top Issues Updates Utah

SPPI Takes Vegas: A High-Stakes Discussion on Emergency Lending

Post author By Patrick M. Brenner
Post date May 1, 2023
2 Comments on SPPI Takes Vegas: A High-Stakes Discussion on Emergency Lending

Patrick Brenner and Brett Kokinadis attend the American Financial Services Association 2023 Independents Conference and Expo

SPPI shares insights on the impact of the war on specialized emergency lending at AFSA’s conference in Las Vegas.

Tags American Financial Services Association (AFSA), Credit, Lending, No Loan For You, Specialized Emergency Loans

Domestic Policy Government Regulation Marianne T. Anderson Memorial Fellowship Markets and Finance Press Top Issues Updates

SPPI Offers Driven Students Exciting Fellowship Opportunity

Post author By Patrick M. Brenner
Post date April 24, 2023
1 Comment on SPPI Offers Driven Students Exciting Fellowship Opportunity

Jack Radomski and Brandt Kringlie are the inaugural recipients of the Marianne T. Anderson Memorial Fellowship.

Tags Credit, Debt, Fellowship, Finance, Lending, Liquidity, No Loan For You, Payday Loans, Personal Finance, Scholarship, Specialized Emergency Loans, University of Minnesota

Domestic Policy Economy Government Regulation Legal and Judicial Markets and Finance Nevada New Mexico Political Thought Public Opinion Top Issues

President of SPPI Invited as Speaker to 2023 Independents Conference & Expo

Post author By Southwest Public Policy Institute
Post date April 2, 2023
1 Comment on President of SPPI Invited as Speaker to 2023 Independents Conference & Expo

Patrick Brenner has been invited as a speaker and panelist to discuss SPPI’s report “No Loan for You!” and how the war on specialized emergency lending is hurting the American Southwest.

Tags American Financial Services Association (AFSA), Banking, Credit, Lending, Specialized Emergency Loans, Unbanked/Underbanked

Culture Domestic Policy Economy Government Regulation Legal and Judicial Life Markets and Finance New Mexico Political Thought Poverty and Inequality Top Issues

American Banker: If I Can’t Get An ‘Emergency’ Loan From A Bank, It’s Not Clear Who Possibly Can

Post author By Patrick M. Brenner
Post date March 27, 2023
No Comments on American Banker: If I Can’t Get An ‘Emergency’ Loan From A Bank, It’s Not Clear Who Possibly Can

We tested the prediction that banks will step in when payday lenders face restrictions. They didn’t want our business.

Tags American Banker, Bank of America, Credit, Lending, Specialized Emergency Loans, U.S. Bank, Wells Fargo

Report: No Loan for You!

Post author By Southwest Public Policy Institute
Post date March 2, 2023
43 Comments on Report: No Loan for You!

How the war on specialized emergency loans has hurt New Mexicans.

Tags Bank of America, Credit, Lending, No Loan For You!, Specialized Emergency Loans, The Pew Charitable Trusts, U.S. Bank, Wells Fargo

Colorado Domestic Policy Economy Government Regulation Legal and Judicial Life Political Thought Public Opinion Top Issues

What’s Past is Prologue: David Silberman’s History of Attacking the Products He’s Now Tasked With Studying

Post author By Patrick M. Brenner
Post date October 23, 2022
1 Comment on What’s Past is Prologue: David Silberman’s History of Attacking the Products He’s Now Tasked With Studying

David Silberman has a history of weaponizing the government to routinely and aggressively target the very products he is now charged with assessing the safety and affordability of.

Tags Center for Responsible Lending (CRL), Conflict of Interest, Consumer Financial Protection Bureau (CFPB), Credit, David Silberman, Lending, Specialized Emergency Loans

New Mexico Top Issues Updates

A Letter To The Better Business Bureau Regarding Specialized Emergency Lending

Post author By Patrick M. Brenner
Post date September 8, 2022
1 Comment on A Letter To The Better Business Bureau Regarding Specialized Emergency Lending

Kip MorseChief Executive OfficerBetter Business Bureau3033 Wilson Blvd, Suite 600Arlington, Virginia 22201 Dear Mr. Morse, We are seeking clarifications regarding a new report published by your organization on small-dollar lending on September 1, 2022. https://www.bbb.org/all/scamstudies/payday_loan_scams_study.html While the report includes dozens of false assertions about the industry – from using the meaningless metric of APR, to […]

Tags Better Business Bureau (BBB), Credit, Lending, Loans, Military Lending Act (MLA), Specialized Emergency Loans